Access to banks and specialist lenders
We compare finance across major banks and specialist non-bank lenders to identify funding solutions suited to your business and objectives.
Industry
Franchise Finance
Finance for new franchise purchases, existing franchisees and multi-site operators.
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Whether you're buying your first franchise, expanding your network or refinancing an existing business, 3LANE Finance helps you secure funding that's aligned with your growth plans.
Purchasing a franchise can be one of the most effective ways to build a business, but it often requires significant upfront capital well before the business reaches its full earning potential. Funding may be required for the franchise purchase, fit-out, equipment, franchise fees, working capital and commercial premises. Choosing the right lender and loan structure from the outset can make a significant difference to your cash flow and long-term success.
At 3LANE Finance, we specialise in franchise finance across a wide range of industries, helping franchisees secure funding through our broad panel of major banks, non-bank lenders and specialist funders.
We understand that every lender assesses franchise businesses differently. Some maintain accredited franchise lists, while others focus on business performance, management experience, cash flow and the strength of the franchisor. By understanding lender policy before you apply, we help maximise your borrowing potential while reducing unnecessary credit enquiries.
Why choose 3LANE Finance
Franchise finance specialists
We understand how lenders assess franchise agreements, franchisor support, business performance, lease commitments and expansion strategies, allowing us to structure your application to meet lender requirements.
Policy-first lending strategy
Rather than submitting applications blindly, we identify lenders whose policy aligns with your circumstances before your application is lodged.
End-to-end support
From your initial enquiry through to settlement, we manage the entire lending process, coordinate with your lender and remain available as your business grows.
How 3LANE Finance helps franchise businesses
Whether you're purchasing your first franchise, acquiring an existing business or expanding to multiple locations, we tailor finance solutions around your commercial objectives. We can assist with:
- Franchise purchase finance
- Business acquisition finance
- Franchise fees
- Fit-out finance
- Equipment finance
- Working capital facilities
- Commercial property finance
- Bank guarantees
- Business expansion funding
- Multi-site franchise finance
- Debt restructuring and refinancing
Franchise industries we finance
- Food & Hospitality
- Childcare
- Fitness
- Retail
- Storage
- Health & Medical
- Trades & Services
- Professional Services
How to obtain franchise finance
01
Understand your franchise and objectives
We take the time to understand your franchise, business experience, financial position and growth plans while identifying the factors lenders are most likely to assess.
02
Structure the right finance solution
We compare lender policy, loan structures, repayment options and security requirements to identify funding that's aligned with your business objectives.
03
Manage your application
We prepare your application, coordinate with the lender and manage the process through to settlement, allowing you to focus on operating your business.
Run the numbers
Estimate repayments and explore the funding required for your franchise purchase or expansion. Indicative only — your broker will confirm the finance structure and figures
Monthly repayment$4,497
Fortnightly$2,075
Weekly$1,038
Total interest$868,786
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentAreas we service
- Marrickville
- Inner West
- Sydney CBD
- Eastern Suburbs
- North Shore
- Northern Beaches
- Parramatta
- Great Western Sydney
- Sutherland Shire
- Across NSW
FAQs
Quick answers for clients comparing finance options.
Yes. We assist clients purchasing both new and existing franchise businesses by comparing lenders that understand franchise lending.
Yes. While previous business ownership can strengthen an application, many lenders will consider first-time franchisees depending on the strength of the franchise system, your industry experience and overall financial position.
Yes. Finance can often be structured to include franchise fees, fit-out costs, equipment purchases and other establishment expenses, subject to lender policy.
Yes. Many lenders offer working capital facilities to assist with business cash flow during establishment or expansion.
Yes. We regularly assist franchise operators looking to acquire additional locations or expand into multi-site operations.
We compare franchise finance across major banks and specialist commercial lenders, with lender selection based on your franchise brand, financial position, experience and funding requirements.
In most cases, no. Our services are generally paid for by the lender after settlement. If a particular scenario required a fee, this would always be discussed and agreed with you beforehand.
Approval timeframes vary depending on the lender, the franchise brand, the business being acquired and the quality of the information provided. We work proactively to keep your application progressing as efficiently as possible.
Yes. We regularly review existing lending to determine whether more competitive pricing, improved structures or additional funding may be available.
Yes. As your business grows, we continue reviewing your lending to ensure your facilities remain aligned with your objectives and to identify refinancing or expansion opportunities.
Many lenders maintain preferred or accredited franchise panels, where they have completed due diligence on the franchise brand and have an established appetite to lend. If your franchise appears on a lender's panel, the assessment process can often be more straightforward. However, being off-panel doesn't necessarily mean finance isn't available. We compare a broad range of lenders to identify whose policy aligns with your franchise, business experience and financial circumstances. We can also confirm which lenders have an appetite for your franchise before you apply, helping to avoid unnecessary credit enquiries.
Talk to 3LANE
Ready to finance your next franchise?
Whether you’re buying your first franchise, expanding to another location or refinancing an existing business, we’ll help you structure the right finance and identify lenders with an appetite for your franchise.